Borrowing money can't buy funds, wealth management or stocks mainly because:
1. If the loan funds buy the fund, the fund will eventually invest in the stock market, which is very risky and has a high probability of loss. Once investors lose money, there is not only no interest, but also the risk of loss of principal.
2. When loan funds enter the stock market or other securities markets, it will cause a stock market bubble. The stock market bubble is too large and the leverage ratio will increase. Investors will not only lose money, but also repay the loan money after the loss.
3. In recent years, the national policy has been to de-bubble and de-leverage. The purpose is to withdraw the funds previously leveraged into the stock market from the stock market. If you borrow money to enter the stock market at this time, it will run counter to the policy.
4. To take a step back, suppose that the borrowed funds may be used for financial management, but the interest on financial management is not as high as the borrowing cost, and it will only outweigh the benefits.
"Borrowing" is a credit loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.
202 1 1 1 8 news, it is reported that Alipay "borrowing" was renamed as "credit loan". In this regard, Alipay customer service responded that in order to make it easier for you to understand the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.
"Borrowing" is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of increasing the quota:
1, deposit the balance treasure or lucky treasure (regularly), and deposit 15000+ money, which can be spent after basically 10, usually at1-10;
2. Download the online merchant bank app on your mobile phone, and then save it in your computer. 10,000+deposits can basically lend 10,000 white+online merchant bank consumer loans in one month;
But there are still netizens who spit out Uncle Ma Yun; One reason why I am not optimistic about these internet companies engaged in finance is that they have no experience in receiving users who can't even tell the difference between interest and handling fees.
This part of the business naturally has an impact on similar businesses of banks. After all, the scale of several major Internet giants is there. But not every industry is suitable for the Internet. The amount is too low to repay the principal in installments, which is a bit tasteless and doomed to be difficult to replace the position of traditional finance.